Is Indexed Universal Life Worth It?

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Reasons Why Indexed Universal Life Insurance is Worth Considering

  1. Flexible Premiums: Allows you to adjust the amount you pay, fitting your budget.
  2. Death Benefit: Provides financial support to beneficiaries upon your death.
  3. Cash Value Growth: Part of your premium is invested, potentially growing over time.
  4. Tax-Deferred Growth: Earnings on cash value grow tax-deferred.
  5. Loan Options: You can borrow against the policy’s cash value.
  6. Financial Security: Offers a safety net for your family’s future.
  7. Investment Options: Links cash value to a stock index, giving investment flexibility.
  8. No Direct Market Investment Risk: Not directly invested in the stock market, reducing risk.
  9. Lifetime Coverage: Unlike term life, it provides coverage for life.
  10. Estate Planning: Can be used in estate planning strategies.
  11. Retirement Income: Potential source of income during retirement.
  12. No Contribution Limits: Unlike 401(k)s and IRAs, no limits on contributions.
  13. Riders and Add-Ons: Offers options like critical illness riders for additional protection.

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Benefits Of Indexed Universal Life Insurance

Flexible PremiumsAdjust payments according to financial ability.
Death BenefitProvides financial support to your loved ones after you pass away.
Cash Value GrowthPart of your premiums may grow over time, offering a potential investment return.
Tax BenefitsEarnings grow tax-deferred, and death benefits are usually tax-free.
Loan OpportunitiesBorrow against the cash value for personal needs.
Financial SecurityOffers a financial safety net for unforeseen events.
Investment FlexibilityLinks to a stock index, offering potential for higher returns without direct market investment.
Lifetime CoverageProvides lifelong coverage, unlike term insurance.
Estate Planning ToolUseful in sophisticated financial and estate planning.
Retirement IncomeCan supplement retirement income.
Contribution FreedomNo annual contribution limits.
Customizable RidersOffers additional coverage options like critical illness.


Indexed Universal Life Insurance offers a blend of flexibility, financial security, and investment potential. It’s a comprehensive tool for estate planning, retirement income, and lifelong coverage. Understanding these benefits can help in achieving long-term financial goals. Contact us today for a free quote.

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Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Shawn Plummer is a Chartered Retirement Planning Counselor, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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